Acquiring Credit and Credit Reports

Acquiring a Credit History Young people either fresh out of high school or college may have difficulty acquiring their first credit card because they do not have a credit history yet. It may be easiest to get one through your own bank or credit union where you already have an account. Or you can apply for […]

8 Ways to Stick to Your Financial Resolutions

Do you make financial resolutions every New Year that you’ll get your finances under control? Do you break them just as often? Here are a few tips to help you meet your financial goals this year. Some are fairly simple ideas from a different perspective, while others will take effort that is well worth it […]

Rebuilding and Fixing Your Credit in 5 Steps

Bad credit can make it difficult or almost impossible for you to get approved for any kind of loan or a mortgage, and there’s even a possibility your credit could interfere with your ability to get a job. But fortunately, there are a number of things that you can do to fix your credit, so here are five tips […]

How to Calculate Your Credit Score

Calculating a Credit Score or Rating Credit scoring methods vary from one scoring model to another, but the most widely used scoring system in U.S., Canada and other areas around the world is FICO. The factors are similar and may include: Payment history (35% of the FICO score) – Poor or erratic payment history can lower your credit rating or score. […]